Laurelville, OH · Cert 13677
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Laurelville, OH · Cert 13677
FDIC
Q2 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.86% | 0.75% | 0.78% | 0.77% | 0.83% | 0.85% | 0.91% | +13 bps | |
| Return on Equity | 6.68% | 6.42% | 5.80% | 6.02% | 5.88% | 6.36% | 6.53% | 6.93% | +91 bps | |
| Net Interest Margin | 4.30% | 4.30% | 4.22% | 4.16% | 4.24% | 4.24% | 4.36% | 4.33% | +16 bps | |
| Efficiency Ratio | 75.80% | 76.94% | 79.78% | 78.87% | 79.41% | 77.84% | 75.41% | 75.00% | -387 bps | |
| Non-Interest Burden | 3.03% | 3.08% | 3.15% | 3.06% | 3.14% | 3.05% | 3.00% | 2.96% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.79% | 2.51% | 5.46% | 5.53% | 3.00% | 4.01% | 3.54% | 3.35% | -218 bps | |
| Loan Growth (YoY) | 9.76% | 7.32% | 13.61% | 9.63% | 7.59% | 8.02% | 6.37% | 4.70% | -493 bps | |
| Deposit Growth (YoY) | -2.88% | 2.78% | 5.87% | 2.76% | 3.35% | 4.16% | 3.29% | 6.76% | +400 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.00% | 0.24% | 0.37% | 0.25% | 0.20% | 0.04% | 0.51% | +14 bps | |
| Allowance / Loans | 1.14% | 1.08% | 0.98% | 0.83% | 0.82% | 0.81% | 0.78% | 0.53% | -31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 25.50% | 25.31% | 24.42% | 23.84% | 24.79% | 24.70% | 24.43% | 24.30% | +46 bps | |
| Equity / Assets | 13.60% | 13.19% | 12.80% | 12.89% | 13.45% | 13.16% | 12.91% | 13.13% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.98% | 72.03% | 71.09% | 77.06% | 75.97% | 74.70% | 73.21% | 75.58% | -149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |